government is never very efficient, but this is like a third world despotism. we're told they fixed the front end of the obama care website. they haven't even built the backen yet, which is the part -- back end yet, which is the part where you pay insurance companies the premium you get. the government is telling insurance companies that we pay you, just guesstimate how much we owe in terms of subsidies for those who are eligible for subsidies, and we'll give that to you. then we'll settle the deal sometime down the road whether we paid you too little or too much. but as you can imagine, neil, i very -- it's unlikely that insurance companies are going to say that they were owed less than they are. they're going to overestimate. and it's unlikely that the government will ever get any of that money back. at least i can't imagine that. >> i find it interesting that they're having a problem on the back end. americans feel like they keep getting kicked in the brach eac. i've always felt the site isn't the problem. it's a site that once you do get through, you find o